Credit union · NCUA insured
Liberty Bay Credit Union CD Rates
Top CarrotLiberty Bay Credit Union’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Liberty Bay Credit Union’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Liberty Bay Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Liberty Bay Credit Union
4.10%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $445
Certificates of Deposit (CDs)
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Liberty Bay Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Liberty Bay Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.10%APY · 10 terms
Dividends are compounded daily and paid monthly. Rates are fixed and guaranteed for the term of the certificate. Early withdrawals of principal are subject to penalty.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | — | 3.00% | $74 |
| 5 monthsSpecial CD term | — | 3.95% | 3.95% | $163 |
| 6 months | 3.50% | — | 3.50% | $173 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 13 monthsSpecial CD term | — | 4.10% | 4.10% | $445 |
| 18 months | 3.35% | — | 3.35% | $507 |
| 24 months | 3.25% | — | 3.25% | $661 |
| 36 months | 3.00% | — | 3.00% | $927 |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 60 months | 3.00% | — | 3.00% | $1,593 |
Special-purpose accounts
IRA Certificates
Up to 4.10%APY · 8 terms
IRA Certificate of Deposit includes traditional and Roth options. Dividends are compounded daily and paid monthly. Early withdrawals of principal are subject to penalty. No annual fees.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 5 monthsSpecial CD term | — | 3.95% | 3.95% | $163 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 13 monthsSpecial CD term | — | 4.10% | 4.10% | $445 |
| 18 months | 3.35% | — | 3.35% | $507 |
| 24 months | 3.25% | — | 3.25% | $661 |
| 36 months | 3.00% | — | 3.00% | $927 |
| 48 months | 3.00% | — | 3.00% | $1,255 |
| 60 months | 3.00% | — | 3.00% | $1,593 |
Who can join Liberty Bay Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or attend school in eligible towns in eastern and central Massachusetts within the service area.
Employers and groups
- Eligibility is open to employees or members of partner organizations.
Family and household
- Eligibility is open to immediate family or household members of existing Liberty Bay Credit Union members.
Cost to join
- Membership requires opening a savings account with a $5 deposit and maintaining a $5 balance.
Membership information collected October 5, 2026.